What is the minimum required coverage amount per occurrence for Cicis' commercial general liability insurance?

According to Cicis' 2025 Franchise Disclosure Document, franchisees must maintain commercial general liability insurance with a minimum coverage of $1,000,000 per occurrence. This insurance coverage includes personal injury, advertising injury, completed operations, products liability, and fire damage.

In addition to the per occurrence limit, Cicis requires a $2,000,000 general aggregate and a $2,000,000 product aggregate limit. Franchisees must also carry fire legal liability of $50,000 and a premises medical limit of $2,500. These specific requirements ensure that Cicis franchisees have sufficient coverage for various potential liabilities.

It is important to note that Cicis can periodically change the required coverage amounts to reflect inflation, new risks, changes in laws, or higher damage awards. Franchisees are also responsible for obtaining any additional coverage they believe is necessary to protect their interests, as Cicis' minimum requirements are not a guarantee of sufficient protection. Franchisees must also name Cicis as an additional insured on their liability policies and provide them with copies of their insurance certificates.